BÁO CÁO THỰC TẬP TÔT NGHIỆP : PHÂN TÍCH TÌNH HÌNH HUY ĐỘNG VỐN TẠI QUỸ TÍN DỤNG NHÂN DÂN XÃ LONG ĐỨC

MUC LVCCEIJONG 1 : PEUONG PII{P LUAN Vi PT JONC PTI]{P NCTII]ON CfU...,,...... I1,1. Ph(dg pbdp lutr ,,...,,...,, .....-......................-.......- I1.1.1. (hAi bieb vav6n....-.....- ..,,...,,...,,....,,.....,,.....- Il.1J.vri trd cna y5n il6i voi hoot itong cn. qny tII drFg.-.... -....-....--....-.........,,,,...21.13. Co du nh chrt cic lguh v6n [oat ilory cn! qui titr drrng -''''''''.-----..-, 41.1.3.1.V6ntsc6..,,.,.,,.,,,,..,,,,. .,....-......................4r.F.2. v6tr buy it0ns.............. .....-.....-................. 61.1J.2.1.Ti6 Cni cn. kldch bltrs---------''''''''.-''''''''.-''''''''.-''''''''.-''''''''..,....,....,......-........... 61.13.2,1.1. Tia! gni kh6Dg ky h|Dr ..-''''''''.--''''''''.-''''''''''''''''''''''''..''''''''-.--.''''''''-.--''''''''.-.......................-... 61.13.2J.2. Titu sni c6 k'''''''' h ............................. 7113.2.2. Ti.l gni d5r kion..... ............................. 7l 1.3,4. C{c lo8i v6b vn qut kldc ,,....,,....,,.....,....,.........-.....-...............-......-....., 91.1.4. Biitr phdF tlbg culng quin It v6n huy ilOtrg tro.g hoet ilOtrg kitrh do.trhcir qut th drtng................-..... ,..,,,...,,...,,,....,,,...... l012. Pbu@g phdp ngliC! crlu, -..,,.,.,,..,,,,.,,,,,..,,,,,,.... I 11.2,1. Phdg ph{p rhu rb60 30 liou ,..,,,,,.,,,,,...,,...,,,...,,...,,...,,...,,........................- 111.2.2. Pludg phdp plen tich s6 fieu.,..,,..,,,,,..,,,,.,,,,...,,..,,,...,,...,,...,....,......-........ 111r.2.1. Phldg pldp m srnh, , , . ... . . . . - . . . . ... . . . . . .. - . . . . l l1.2.21. PhMgph{0 dnnb gni thco l6c ato gi! tI!g..,...,,........-....-............-......-...., 1112.23. lludlg phdp phan ticb th6ry qua ctc .hi tiou ddnh gid bieu quA cit[o{r ilotrg tly dODg v6n.......... ............................... 12qIUo:Iic 2: PI'''''''',AN TicH TEI/C TRANG IIIOU QUA COA IIOAT DONG EUYDONG vdN TAr euv TiN DVNG NrLeN DAN x4. LoNc D(lc........................... 132.r.6iti tbieu va qut tlb d''''''''!g DLin dln x,r Lorg D''''''''lc........-....-....-....,-..,,..,,,,,..,,,,,. I l2.1.1. DIc di6d tinh hhh hor,t alorg kinh do.nh cna qui rir drrtrg.,,,,..,,,,..,,,,,.... l32.1,1.1. Kt{i qu{t va qut lh dqng ----..--.--''''''''..''''''''-.''''''''---''''''''.-...-....-......,.,,,.,,,,,,..., l32.1,1.2. Q!{ trirh blDh lhADhvi I''''''''hdt trian cn. qui litr d!trg....,,.,,,,..,,,,..,,,,,....,, l32.1.1.3. ch''''''''it nlng, rhion v$, quyh hen ctu qrt th d!ng.............................-.... 142.1.1.4. T6 chrtc bO b6y cnt qui ttu dqtrg......................-................................... l52.r.1.4.1. T6 chft bion cb6 sheD s! -------''''''''.----''''''''..--.''''''''-.-....-......................... l52.r.r.4.2. sd dA .d c6u t6 cbnc qunn li........-.....-..........-.........-.........-...........-.......... l52,1.1.5. Chrtc nIDg nbien vq cn. rtng b0 pI!! .,...,,,...,,,..,,,..,,,..,,,..,,,..,,,,...,,,,...,,, 162,1.1.6. Nnn g thufu lqi vt k[6 khn! cnr dd vi........-.........-................................ 172,1.2. D{c.liaD tttr[ hhn c6ng tdc k6 rojn cn! qut rln dqng.........-....-.....-...........2l2,1.2.1. DIc diAtu dtrh hitrb chutrs-------*,.--,------...,,........,.,.........,,..... 2l2,1,2.1,2. mtrh t[ ir k6 rotu.,.. ........-....-................. 2l2,r.2.r.3, Cbtc nlngnhi9b ru ctu c{c bS ph$n:....................................................222.2, Phnn tich tinb LiIb Luy .long v6tr........................-.....-....... ...................................232,2.1. Thh litrb trsu6n vtu cna qui tin dr[s ...-....-.....-.........-.........-...........-.......,.. 2322.2,Ttbhhtnhchuigvev6nhuydong,,,....,,,...,,,..,,,,..,,,..,,,...,,..,,,...,,...,,,,...,,,,..21.3. Pbnn rlcb quy n6 rdc iIDg truong v6r hny dong qu.3 D{b.,....,,,....,,......,2622,3.1. Hren tich thco hinh thft luyilotrgv6!............-..............-....--....-....--.......-.2622.3.2. Phen dcl rhco ki bp huy dory v6tr......-..........-.................. .......................27. 2.2.3.3. Phar tid lii 3u6t luy dong v6n .................................................................. 3]22.4.Ednh gid bieu qun huy,ilotrg v6n thdngquo.dc chliiau...''''''''.--''''''''.-''''''''.--''''''''.....342.3. Nhtrg 6D r+i ryuytu bnan vn giii phdp rong nott irorg huy il0!g v6D cn.qut llD d$Dg nhib dar tn LorS Dnc...,,,,,..,,,,..,,,,,,...,,.,.,,...,,.,.,,...,,.,.,,,.,.,,..,,,,,.,,.,,, 3523.1. Nhlns rdn tdvi Dguye! nhtu cnr idn tei....................................................3523.2. Cini pb{p........................ ............................... 362.3.2.1. va chinh s{cb k!{ch hnng--------,.-.,.-.--.--.-...,,,,..,,...,,,.,,,,,,,..,,,,,362.3.24v4 clc loei sin phlE luy dOng..-''''''''.-''''''''.-''''''''.-''''''''.-..-..,,,.,,,,..,,,,..,,,,,,...,,,,,372.3.2J. Sndqtrg lli sudi li.h hott..-------''''''''.--''''''''.-''''''''.----..,,,..,,,...,,,....,,,,...,,,,,37cfldoNc a. xET LU.iN - xriN NGHI.........................................................3.1. K6t luio ............................. ....-....-.....-................... 383.1.r. K6l lu{n chuns v} vlb ttb dt pletr dch .........................................................3,1.2. BAi hOc ki.h hghion rntF qua qun fitrh rhw qp yA plnn tich.......-.......383.2 tultr trBhi ............................ ......-.''''''''--.''''''''-.... l93.2.L D6i v,6t trhn nutc........-... ....-.....-...................- 393.2.2, D5i yti qui ritr d!rry...... ...............-............... 393,23, D5i vti ![a truhs ....-... ....-..................-......- 40DANH SACH SO Dd B.iNG BIiUso da'''''''' 2.1: so dd co cru d ch0. qudn |i......--.-.-.-.--....................-...-............15so dd 2.2: so d6 b0 mdy k6 brn ..............................21Bins 2.1 | K6t qua hoet dOng Knh doanh qua 3 nan cna QTDND xd Long D(!. .... l8Bnng2.2:Tinh hinh nsu6n v6n cna QTDND xa Long Dtc qud 3 nan 2005-200?..23Bang 2.3: Tinh hinh huy dOns v6D qua 3 ndm 2005-200? ..-....................................25Beg 2.4:Tinh hinh huy dong v6D theo hinl thtc huy dong - ..................................26Bang 2.5;Huy dorg v6n fteo ti''''''''ng quy qua 3 ndd 2005-2007 ................................28BIng 2.6;Pbandch riDh hinh huy dong v6n fi4 kt l4n gni...................................30Bang 2.?: D6nh si6 hieu qua ho?t dong huy dong v6n qua 3 nin ..........................34Hbh 2.r: Bi€u dd k6r qud hoat dOng kinh dodh .................... .................................21Hinh 2.2: Biau dd tiins ngu6n viin qut tin duns ................... .................................-.24Hinh 2.3: Bii,u db huy dong vdn qua 3 nin .............................. ...............................21Hinh 2.4: Biau d; huy dong vdn theo ki hfl sninam 2005............................-.......31}{inh 2.5: Biau dd huy dong v6n fteo kt han gnindn 2006............................-.-.....32Hinh 2.6:Biau daj huy done v6n theo ki han gni ndm 2007......................-.......

LO'I CAM ON

Ln sinh vien ram cu6i ngioh ke b6n trudng Dei Hac Trd Vinh, ng6i trodngd;ti hac duy nl)at cta tinh Qua 3 ndm dryc h9c tAp i?i rfldng em da tlch lut duqciau ki6n $tc b6 jch, song nhlng hidu bidt d6 cnng chl fiL rr€n m{t It rhuydt.Nhmg trone hoc ki cu6i nay em da duoc di rh{c rdp rhqc ra da hoc hdi rhem kinhnehien giLi! it cho hdnh trdg sau kni a ttudng Thdi gidn thltc ia! tuy ngin ngni,.hi 6 6 1uln th6 B dt sip t6i qus, mot th?ti gid kn6ng dai ilmg n6 de gib cho

en hieu bia fich lui fied ddqc nguon kian rhnc qut git E6 lA innng gt mA thdyc6 gid dini vd bd t6nh ddo c6ng !y de tao diSu kien cho en

En xin chan ihanh bAi t6 long bit m diin nhi tudng da i9o ngi diau kiCncho ed duqc di thqc iip cuiji knod, di ran dnh gitp dd en ttm duqc noirluc tap dr.Cim on c6c thiy cO da chi bdo huong dan em tlong nning Dgdy di thqc 6p, ginp

om hodn lldnn t6t bdi b6o c6o t6i Dshiep cna DiDll

Lm cnng xin chnn lhmh gdi lqi cdm m sru s;c dan be ldnh rlao QLi rindung nl6n den Xa Long Dnc de chiip nhan €D d6d ihuc tip lii dd vi, g6p phdn

ginp em c6 cs hoi da hiau ro th€m ntiau diau c6 diau kien ca sdt vdith\ic € se la

nan dng itng chic khi em ra lrudng Ddng $i'i gdi li,i cam m dan cac anh chi ldmviec iai qut tid dung da kh6ng ned kl6 klin dd nhiet tinn cH bAo, cung cdt cho

em nhnng kian thnc fiuc le qut gi6

Cu6i ldi kinh chnc qut thay c0 trudng Dqi Hac Tra vinh, cec anh ch! lAnviec tdi Qui dn duns nhan dan xa Long Eirc ci,.s sia dinh duqc ddi dd,o si.c khoe

vi ll6n $a!h cOng trong cu6c s6ng

N}IAN XET VA D6NG D,A.U CUA CO QUAN THI'C TAP

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DANH MUC CAC Ti' VIET TAT

TVIID: T6ng v6n huy dOn!

vID: Viin huy dOry

T6ng lw: T6ng nsu6n v6n

TNv: T6ng ngu6n v6n

DNCV: Dt ng cho vay

Kqkd: Kd! qud ki.n doanl

TGDC: Ti€n gti den cu

VCPTX: V6n c6 lhAn thudns xuy€n

QTDND: QUY tin 4ing nh6n dao

Tt! tlr hdtdrThu tn ho4t dong tln dung

Chi cho hdtd: Chi cho hoar dong rln dung

Chi cho hddv: Chi clo ho4t dong dich !u

MUC LVC

CEIJONG 1 : PEUONG PII{P LUAN Vi PT JONC PTI]{P NCTII]ON CfU ,, I

1,1 Ph(dg pbdp lutr ,, ,, ,, .- - - I

1.1.1 (hAi bieb vav6n - - ,, ,, ,, ,, ,, - I

l.1J.vri trd cna y5n il6i voi hoot itong cn qny tII drFg.- - - - ,,,, 2

1.13 Co du nh chrt cic lguh v6n [oat ilory cn! qui titr drrng -'. - -, 4

1.1.3.1.V6ntsc6 ,,.,.,,.,,,, ,,,, ., - 4

r.F.2 v6tr buy it0ns .- - 6

1.1J.2.1.Ti6 Cni cn kldch bltrs -'.-'.-'.-'.-' , , , - 6

1.13.2,1.1 Tia! gni kh6Dg ky h|Dr -'. '.-''' '-. .'-. '.- - 6

1.13.2J.2 Titu sni c6 k' h 7

113.2.2 Ti.l gni d5r kion 7

l 1.3,4 C{c lo8i v6b vn qut kldc ,, ,, ,, , , - - - - , , 9

1.1.4 Biitr phdF tlbg culng quin It v6n huy ilOtrg tro.g hoet ilOtrg kitrh do.trh cir qut th drtng - , ,,, ,, ,,, ,,, l0 12 Pbu@g phdp ngliC! crlu, - ,,.,.,, ,,,,.,,,,, ,,,,,, I 1 1.2,1 Phdg ph{p rhu rb60 30 liou , ,,,,,.,,,,, ,, ,,, ,, ,, ,, ,, - 11

1.2.2 Pludg phdp plen tich s6 fieu., ,, ,,,,, ,,,,.,,,, ,, ,,, ,, ,, , , - 11

1r.2.1 Phldg pldp m srnh, , , - - l l 1.2.21 PhMgph{0 dnnb gni thco l6c ato gi! tI!g , ,, - - - - , 11

12.23 lludlg phdp phan ticb th6ry qua ctc hi tiou ddnh gid bieu quA cit [o{r ilotrg tly dODg v6n 12

qIUo:Iic 2: PI',AN TicH TEI/C TRANG IIIOU QUA COA IIOAT DONG EUY DONG vdN TAr euv TiN DVNG NrLeN DAN x4 LoNc D(lc 13

2.r.6iti tbieu va qut tlb d'!g DLin dln x,r Lorg D'lc - - - ,- ,, ,,,,, ,,,,, I l 2.1.1 DIc di6d tinh hhh hor,t alorg kinh do.nh cna qui rir drrtrg.,,,, ,,,, ,,,,, l3 2.1,1.1 Kt{i qu{t va qut lh dqng . ' '-.' -'.- - - ,.,,,.,,,,,, , l3 2.1,1.2 Q!{ trirh blDh lhADhvi I'hdt trian cn qui litr d!trg ,,.,,,, ,,,, ,,,,, ,, l3 2.1.1.3 ch'it nlng, rhion v$, quyh hen ctu qrt th d!ng - 14

2.1.1.4 T6 chrtc bO b6y cnt qui ttu dqtrg - l5 2.r.1.4.1 T6 chft bion cb6 sheD s! -'. ' .'-.- - l5

2.r.r.4.2 sd dA d c6u t6 cbnc qunn li - - - - - - l5

2,1.1.5 Chrtc nIDg nbien vq cn rtng b0 pI!! , ,,, ,,, ,,, ,,, ,,, ,,, ,,,, ,,,, ,,, 16

2,1.1.6 Nnn g thufu lqi vt k[6 khn! cnr dd vi - - 17

2,1.2 D{c.liaD tttr[ hhn c6ng tdc k6 rojn cn! qut rln dqng - - - 2l 2,1.2.1 DIc diAtu dtrh hitrb chutrs -*,. , - ,, ,., ,, 2l 2,1,2.1,2 mtrh t[ ir k6 rotu., .- - 2l 2,r.2.r.3, Cbtc nlngnhi9b ru ctu c{c bS ph$n: 22

2.2, Phnn tich tinb LiIb Luy long v6tr - - .23

2,2.1 Thh litrb trsu6n vtu cna qui tin dr[s - - - - - - , 23

22.2,Ttbhhtnhchuigvev6nhuydong,,, ,,, ,,, ,,,, ,,, ,,, ,, ,,, ,, ,,,, ,,,, ,,25

21.3 Pbnn rlcb quy n6 rdc iIDg truong v6r hny dong qu.3 D{b., ,,, ,, ,26

22,3.1 Hren tich thco hinh thft luyilotrgv6! - - - -.26

22.3.2 Phen dcl rhco ki bp huy dory v6tr - - .27

2.2.3.3 Phar tid lii 3u6t luy dong v6n 3]

22.4.Ednh gid bieu qun huy,ilotrg v6n thdngquo.dc chliiau '. '.-'. ' 34

2.3 Nhtrg 6D r+i ryuytu bnan vn giii phdp rong nott irorg huy il0!g v6D cn qut llD d$Dg nhib dar tn LorS Dnc ,,,,, ,,,, ,,,,,, ,,.,.,, ,,.,.,, ,,.,.,,,.,.,, ,,,,,.,,.,,,,, 35

23.1 Nhlns rdn tdvi Dguye! nhtu cnr idn tei 35

23.2 Cini pb{p 36

2.3.2.1 va chinh s{cb k!{ch hnng -,.-.,.-. . .- ,,,, ,, ,,,.,,,,,,, ,,,,,36

2.3.24v4 clc loei sin phlE luy dOng -'.-'.-'.-'.- - ,,,.,,,, ,,,, ,,,,,, ,,,,,37

2.3.2J Sndqtrg lli sudi li.h hott -'. '.-'. ,,, ,,, ,,, ,,,, ,,,,,37

cfldoNc a xET LU.iN - xriN NGHI 38

3.1 K6t luio - - - 38

3.1.r K6l lu{n chuns v} vlb ttb dt pletr dch 38

3,1.2 BAi hOc ki.h hghion rntF qua qun fitrh rhw qp yA plnn tich - 38

3.2 tultr trBhi .-.' .'- l9 3.2.L D6i v,6t trhn nutc - - - - 39

3.2.2, D5i yti qui ritr d!rry .- 39

3,23, D5i vti ![a truhs - - - - 40

DANH SACH SO Dd B.iNG BIiU

so da' 2.1: so dd co cru d ch0 qudn |i .-.-.-. - - 15

so dd 2.2: so d6 b0 mdy k6 brn 21

Bins 2.1 | K6t qua hoet dOng Knh doanh qua 3 nan cna QTDND xd Long D(! l8 Bnng2.2:Tinh hinh nsu6n v6n cna QTDND xa Long Dtc qud 3 nan 2005-200? 23

Bang 2.3: Tinh hinh huy dOns v6D qua 3 ndm 2005-200? - 25

Beg 2.4:Tinh hinh huy dong v6D theo hinl thtc huy dong - 26

Bang 2.5;Huy dorg v6n fteo ti'ng quy qua 3 ndd 2005-2007 28

BIng 2.6;Pbandch riDh hinh huy dong v6n fi4 kt l4n gni 30

Bang 2.?: D6nh si6 hieu qua ho?t dong huy dong v6n qua 3 nin .34

Hbh 2.r: Bi€u dd k6r qud hoat dOng kinh dodh 21

Hinh 2.2: Biau dd tiins ngu6n viin qut tin duns -.24

Hinh 2.3: Bii,u db huy dong vdn qua 3 nin 21

Hinh 2.4: Biau d; huy dong vdn theo ki hfl sninam 2005 - 31

}{inh 2.5: Biau dd huy dong v6n fteo kt han gnindn 2006 -.- 32

Hinh 2.6:Biau daj huy done v6n theo ki han gni ndm 2007 - - 33

u8r vaD oe ngnlen cuu:

Ngdy nay xu hudng todn cdu h6d vn hoinhap ki.h tE qr6c t6 ngdy cing diEn

!a manh me Nan kinh l€ ftij gidi da c6 slt len k61 chlt chc bdi c6c chn thE vA vielNam cnng khdng niin ngodi q! lien k6t d6 HiCn nay Viet Nm dmg lrong ti6n dnhth\rc hien cone ngliep h6a hien d?i h6a dlii nudc nnim phat tri6n nan kinl la vi hoinhop v't otc nud'c trorg khu wc vAL th€ gi6i Mot ydu t6 qDd hQng cna slt lhrlftian d6 Ia sq phAt lridn cu ran kinl td n6ng lh6n, na qut tin dlng ln mol nic xlchrir qum r:rrne tong riin linh phar Eiin dd Su DnI rncnl v; higu qud cia he th6ngiin d\ng nnh hutmg nhiau dan nan kinl t6 nOng ngliep n6ng thdn Qut tin dlne

!h6n dan xa Long Dfc la qut tin dung c6 nhiau d6ng g6p trcng viec dAu tu va phattri6n kinh d xa nhAL Qut dd thuc hien chtc nlng nni€m ur cta nlnh not cdch tlufn

bi vAL det duqc nhftrg hieu qun ddng k€ Mlc li€u hoat dong cna qu9 li huy dongt6i da nai nsudn v,in nhan 6i cna c6c lihg l,h dan cu trons vd nsoaidia bdn ho?tddns d; cho \a) cic thanl viiD nlam diip tng nhu clu v6n cho stu xuir kinldoanh dich w vA ddi s6ng Vi !;y viic hu) ddng v6n D hir sric quu nong ronghoar dong liD dvng luon ludn ding hanl ci,ng \di s{ l;D r?i \d !h6r lriin cUa qur.vdi lin q@ trgng trcq cnng v6i nong mu6n h9c hdi lh€m K,6n thrc va hoet dong

rln duns nen em da chan da rei " Phen lich linh hinl huy dong v6n tqi qui fin aug

nhan da! xa Long Dtc" ldm bni biio c6o t6t nghiep cna nlrtr

M+c tieu nghien cfu:

M+c tiOu ctungr Tn nheng hiau bi6t va tinh hiDh hoqt tong cna qut lind\rng, em se phan tich ddnh gi6 hieu qud ho?t dong, ph6n lich tlnh hjnh nguon von,huy ding v6n cu qut rin dug nh& dan xa Long Dnc Tn d6 dua E har sii biCnlhdp nang cao hieu qun hont dong tin dlrng.

Mlc tieu c'! th6r Ea tdi t6p tung phan dch hoql done iuy d6ng v6n clLa quttin dvng qua ciic nam 2005 2006.2007 lhotre qua cdc chi riCu uing nguin v6n

"6nhuy done, vdns vay v6n, du ns cho vay Tn d6 diinh gi6 hieu qud hort dons huy

cvHD: Ngutan Tli Tnat Thui

dons v6n d6 6 th6 dua m c6c m nqnh va y6u cna hoq dOns huy dons v6n dg dua ra c6c giai phdp nhim nerg cao hieu qun hoqt dong huy dong v6n cia qut tin dun8.

Phgm vi nghi€n c|?ur

' Da ai 4p rruds nshicn ctu v! nsudr v6n vA hoat dons huy dons v6n hi qut

' lin dllng nhan dan xd Long D(rc giai do?a nan 2005 2006, 200? tr& co sd s6 Ufu

tuqc qut iid dung cung cip Da tni duqc Ovc bien ti U$ns 5 nam 2010 ddn thdlg 6trdln2010.

c\a{DNsufn'ninEi: rhut

PHAN NOI DUNG

CHUONG I : PH[.PONG PHAP

l.t Phuong pb6p lu$!

r.r,r M rrtm ve voo

B,1 ct mot t6 ch(& tin dlng nno muiin idn tqi vn ph6r tri€n diau lhAi c6nhlng khoan nan bm dau da ldm phucmg lien hodt dOng nhu mua sim, cdu tu vaol]ai sdn c6 dinn, rrug thiA b! phuc vu kinn do.nl, cho vay vn Bm cdc dich qr Dganhang kh6c

V6n bm ddu cna quy tin 4ins nhar dan co sd do cdc lhAnh viCn d6ng e6p,d6 h v6n diiju F cai theo tinh ch6t sd htu uri v6n diau lC ld v6n ri€ng, uuoc quydn

sd htu cia qDt tln d!ng Khi c6 ngudn v6n nALy di m'ic quy dinh thi qut tin dungmdi dugc ph€! tii6n khai ho4t dong

Trcng qud trinl ho?l ddng Qui rm dwe phAi huy dong viin dudi hinl thUanhan tien gfi qlo ftnnh vi€n, c6c t6 cbic cA nnan tuDg vd DgoAi dia ban hoit dong

da cho vay Di,ng tha,i da ddn bio knn ning chi trd, 6anh to6n viL nt rOnS lin qDgddp !h8 nhn ciu vay v6n cna rhanl vien Qut lin dvng phii Ao lhem nguajn v6nbing c6ch di vay cna qut iin d{ng t|mg udg vn di vay cu cdc 6 chtc lln dungklntc M{r kh6c thong qua viec nhon v6n Iii 1rq, thqc hien cAc dich qr ui th6o vdl3n dai li trong linh wc tian $, dich vq thanh todn vA ng6n quy, dich \T! gfi h0,

bm git cho kh6ch hdns cnns vdi viec 14n duns cdc loai qui trich hp duqc nhunschua st dung ciing se Ba cho qut 1itr dtng nhtng kloAn den Dm phusng tifu hod

dons.

Nhu vay: V6n oiLa qui tin dung b nh0ng gi6 t4 tian te do quy tin d\ing lao

bp vi huy dons {tuqc, duqc dims da diu hJ, mua sim tai sdn c5 dinh, tres fti6r biphuc vu kinh doanl, cho vay va dvc hien cAc nghi€p qr kh6c lrong hoqt dong kinh

cvHDr Nsryan rhi rhrnh rbut

1.1.2.V!i trd ctuv6r d6i vfi horr.lObg cna qut tln duog

* v6n li co s0 d6 qW fn d'!trg nher dAtr t5 chfc Dqi hogt lODg kirb do.bb

MOt lrcng nhiing di€u ki€n den quyot lrcDg ho dong kinh doanh c'ia qut tin dung ld phdi cd rijn Ihqc chjr !6n cU qu, un dung chn ydu ld mor bb phin LhunnAp qu6c dan qm thdi nhdn r6i hong qud trlnh sln xurt lm th6ng vn dCu ding nachn sd hlu cta chug gni vno qut tin dlng dC $uc hien c,c nuc dich kh6c nlau.Hay n6i mot cich klac, hq chuydn nhuqng quyan sn dlng viin tiSn rC cho qug (ndrng d€ rdi qut tin dlng phai ha lai cho ha not knoan thu nha! Vn nl)u viy qut lindung da th{c hien vay trd tap rrung vi phan ph6i bi vijn du6i htnh thtc tiln 4, hntang Dnanh qui ldnh luan chuyan v6n dudi htnh thto tian 1e, tdm tlng nllann qD6trtnh lu6r chuySn viln, lhuc v! vd kich liich nai hoqt dong kinn 16 lhiil hian Edngthoi chinn cac ho?r dang d6 lai {tuyar dinn dan s{t dn m-i vn phJr ridn hoj'r dOnBkinh doanh cta qui rin drng Nldn chuns v6n chi phiii toan bO hoal dong va quyatdinn d6i voi cdc viec thvc hien nlc tieu hont dong cna quy tin dltng

Ngui,n r6n crla qut rin duns chinh Ia roan ba eia tri riin r+ do qut rin dunela.o l4p vi huy dons duqc chn y6u b dnng da cho vay, dau tu va thrc hien cdcnglriep vrr k}6c lrong hoet dong K.h doanh cna minh Ngu6n von lhdn 6nl' ndneIuc chn y6u dd quyiit dinh kria nrng hoa! dong cta qut 1in dlng Ngu6n v6n cdn la

co sd d€ qut cnns c6 b0 m6y d chirc, bi€n ch6 s6 ldqns c6n bO va td chtc mai hoddong kiDI doanh, duy lri su l6n tai vd nane €o khA nang ph6t &ian cna quy Tindlng nl|en dan kh6ng c6 v6n fti th6ng tha ll){c hion duqc nuc ti€u hont don8

Do d6, nsodi v6i ban dAu cAr $i€t ttc U dn v6n dieu lC rheo har dinh thitrong su6t qu6lrinh hoet rtong cna minh qut tin d{ng lhai thuiog xuydn chan lot6i vie.l'ig trumg v6n, ttn n9i bi€n lhdp dd khoi rlng neu6n v6n ddng thdi stqins hqp li, tiii da c5c Dcuijn v6n huy dOns duqc

* v6n qny6tdinh quy n6 ho4t itong vn bno dnn uy tib.na qut tl! dqbgnhan dan trtu lhudDg trudDg

Ngu6n v6n ein vaitrd quy€l dinh v) lA.o sd da qut lin duns co st nt ronsho{c lhu hcp quy m6 hoat dons

GVHD: Ngryan rhj rl'oh ?nut

Vdi tiam nnng viin l6n, qui 1ir {tlng c6 rh€ hodr tong kinh doad vlji quym6 ngny cang nd rong, ti6n hdnh cdc hoel dong canh tlanh c6 hieu qua nhin rtaeiii gin cht tin cia mtnl, via nAng cao thdh thd cna qui tin dung ltr thi tn dng,

Kni quy nO qia qut 1in dung duqc nd dns vd phdt trian, tinh chrl h toan cna v,incJng tugc tldn bro rhi u) lin cid qut rln dun8 cdneduocndngcao

Niiu khn ndng vitn di,i dao tli qut tln dlng se c6 diau kien diip lmg nhu cAuva) rdn phlr riAn sAn ruiir k,nh doanh dich v! giai qu)a ve rhd khdn doi s6necia cac rhani vidn va se lhu hur duqc cic kic(n henB 8op \6n rhm sia qut Lindmg, lrng duqc v6n diau lg, t?o duoc knA nlng tdi chinh 6n dinh wng chic cho

NCU khi ning v6n h?n h9p thi qui rin dtng khdng phan rtig nhqy b4n duqcvdi sv bi6n dons va hi su& say anl hums ditn kl, ning thu h(( viin diu tu cia snnliau fidnh vien c6 nhu ciu vay vdn holc thdnh vi6n c6 nhu ciu vay v6n rdl ldnnlmS quy {n dlng kh6ng luy dong duqc v6n khOng c6 ngu6n v6n tht se kh6ngdr! ihe duqc nhu ciu vay v6n cta thdnh vien

r V6! quy6t dinh khn lnng lhanh khonn, khn nnog chi trn cnr qut tiDdqng trheD dnr

Trong nen kinh td thi lnrdng dd tdn tei vd phdl dan, ngdy cing md rong quyn6 hoot dong thi ddi hdi quy rin dung phdi coi trang uy rin cna mhh, d6 li diaulrang yi:u Uy iin dO phai duqc rha hiOn rtudc ht d khl nlng sin sang tuh todnc6c kiodn nq cho chr: nc Md ndn8 lin 5dns chi rd ciic tlod riin grti cho klAlhhd& U vay losi tir cdc nhan t6 kh6c, kha ntng th.nh losn, chi hd cia quy ritr dltng

le thuin vdi v6n cia qut rin dlng n6i chung, vdi vi5n kla d$ng cna qut tln dunen6irieng

Y6n quy6t dinh Inng l$c Abb kanh cna qui titr drug DLar dnn

viec bo ra khd ndng v6n ldn la di€u kien tien quyet dC qut tin dqng md rongqua h0 tin dlng, dd ddg h6a hoil lone ngan hing, ddp rtng nlu cdu chi trA, nhucau vay v6n cna thdnh vien x€t ca va quy m6, khiii luqng tin dltng, linh chn dong vathi/i sid, tht'i han cho vay, quy€t Cinl m'rc tai suit crro vay DiaD dd se h ding Ucthu hit duqc iau rMnh vjen tham gia g6p viin, khdch hds sui ai, vay viin vd sndvng dich !'ll Khi dodnn s(j horl d$ng rrng lqi nhudn ung qDt Lln dun8 + cO diau

GVHD: Nguygn rhi rtmh ftut

kien rdng tdmg v6n t\r c6, dac biOt h v6n diau l€, trans bi @ sd v6t chtit, nd rongquy mO ho?t dong vA tao lh6 phdt tddn Nsudn v6n ltn se gi[p cho qut tin dqng c6

dn thd ntns lai chinl dd hoa1.d0ng rld ndne lran thi r{adng, kh6ng chi rt@ thuar bcho vay nd 0n mO 6ns c6c ho?l dong dicb vu ngan hdng Chinh cic btnh rbrckinh doanh da nlns nnr se g6p phdn phan l{n rui rc t.one ho?r dong cna nol qui rind!n& Lo th€n viin, ddng thi'i lang stc cinh t?rh cna qut rin dung t€n (huong

Chinh vi v6y cnng khing didh ro tim quan trgng cta v6n tong hoqt dongkinli doalh va muc tieu hoat dong cna quy tiD d!ng Tuy nhien tong qu6 trinh hoetdong qut tin dqng phai h6t sirc chn &ng nehiOn cUo thi irodng, di6n bian onh hinhphet dan kinh ta-xd hoi cna dia phumg, nhu ciu vay viin cna khdch hang dd c6 k6hoach huy dons v6n, beo dAn quan hC cune cAu va v6n, bao dlin su can diii sitansu6n v6n vd st dl'ns v6n ll€n co sd d6 nrng cao hieu qua v6n diu tu

1.1.3 Cdciu titrb cb6t c6c rgudn v6n ho?t dOog cna quy fh dgrg

1.13.1 Y6D i$ c6

V6n tu ot cna qui tin d[ng ld nhtrng gi6 ti tian te do qut 1in dung iao bpduqc, 1l)u0c sd hlu cta qut iin d\ng V6n tq c6 chiitm tt lrQng nh6 tong t6ngngudn v6n nhhg cd linh chat $utng xuy€n 3n dinb Quy mO vd su rang trudng ciav6d 1lr c6 sc quydl dinh dan ning lqc vd fra ph6r lridn cu quy rin dlng cir vai tidq@ trans r.ons v6n U c6 ld v6n diau lC vn qut d{ t.0 bd suns v6n diau t€

r v6b diAu tr ld nsudn v6n ricns thuoc qryan sd hnu ri6ns c6 cna qut rindung duoc ghitron8 DiCu li qut rin dJns co so lrong giiylhep thanh ld! vd hoardons cia qui liD dung do Nsan hans Nha nudc c6p Ld mOt bO pIAtr cia v(in lu cd

h co sd phd! ly da qut lin d\ng duqc rhArh l6p vn hodt don& dans $di ld co sddim bAo an loa cho qui tuinh hoat dong kinh doanh.

V6n diau l0 cna quy 1in d{ng co sd la t6ng s6 vi5n do c6c ftnnh vicn s6!.Mfc v6n g6p t6i thidu va t6i da cna not rhdnh viOn do D4i hoi thinh vien quy€tdinh theo quy dinh cr)a ph6p lual vd htrdds ddn cna ngan hdne nhd nudc

Theo quy dinh cta Ngen hdng nhd nudc thiLd vien cta qut Un dung cs sdduqc gbp v6n theo quy dinh cna diau le, mL?c g6p viin d6 xtc hp tu crch lhenh vien

do Dai hoi di,Dg thdnl vi6n quydt dinh nhhs t6i fiiau h 50.000 ddns T6ng nlc

ovHD: Nsuyan rhi rhanh rtut

96! v6n t6i da cna c6c thinh vien khOns wqt qua 30% so vdi t6ng s6 v6n diiu l9

ct qu9 tin dlng cs sd lai ftdi diam g6p vi vd nlan chuyan nhuqng

viin diau D tiii fti,u phai bihg mic v6n ph6p dinh do cblnh phn quy dinh.v6n !h& dinh ld mrc v6n tiii ftiau phai c6 da fidnh 4p mol nsan hlns do phaplu$t qDy diin v,in diau lC ld lsui,n v6n c6 tinh chdt 6n dinh vons chic

Qu9 dVrr0.b6suhg v5n diau E: duqcchia $AnI2 nsu;D

- Ngu6n rich bp tir lqi nhuAn hang nlm theo It lC 5%o lqi nhu6n sau thu6:Theo quy dinh oia chinh phl va hsjng den ct b0 ini chlnh lqi nh$n cdn lqi saDkhi trich nO! thua thu nh6p domh nghi€p duqc coi lA 100% se trich l6p qui dU ttb6 suns v5n di6u l€ 5%, mfc di da cna qu9 ds tr! bd sug viin diau f k}6trg nrqtquavi diau E cta qut dn dung.

- Ngudn b6 sug tn sit tian fiuii tlru nhAp aoanh nchiep cuy tin duns duqcmi6n Siam kllane phdi n$p ngan sdch theo quy dinl cna chiDh ph! cna BO tdi chitrI

vA hudng dan cna Ngan hdng Nhn Nudc

Thoo quy dinh cna chinh phl khi mdi thann Bp, qut tin dung duqc mi6n0rua ftu dAp doanh nehi€p trong 2 ndm dlu ka tt khi kinh domh c6 Ei vd dd! $cduqc siem 50% thuC ftu nlap doanh nshiep tong 2 niln ti6p tleo c6c qui lindllng thuoc dien uu ddi diu hJ chinh phi cdn cho phdp rtuqc miEn gidm ti,6p rhu6 thunha! dMh nshi€p lums tns vdi 1, lC duqc mi6n gian va s5 nim duqc mign ginn

s6 riin thud duqc mi6n eidm qut rin dlb8 phdi bd suB veo qut du tr! biisuns v6n diau t de llng nlng l[c tdi chinh ki6ns dugc st dlng d6 tu chia d'rdi b6t

ki hinh th'ic nao

Muc r€u cia \iec rhe,h lip quj du |ni bd sus \6n diau g ntrim oi t6 sungv6n diau 4, bno tod va khons neins nans cao khn nens va v6n cna qut dn 4rns.Tuy nli€n viec chuyan v6n i) qut d\r t[ b6 suns v6n diau tC, qut tin duns lheithrc hietr thoo co ch6 viL hu6ns d6n cna nsan hdns nha nudc

Qut dlr t|[ b6 suns v6n diau le h nsudn v6n cd tlnh chr16n dinh ltns chic

vA ld m01 b0 ph& cna v6n tu c6 Nsu6n v6n nay cta qut tin d$g c6 xu huonsneiy cing ling do hdng ndm duqc trich lip theo kA qu Ktrh doanh

c!+rD.Nplin ftiTlia rhut

1.1.3.2 Y6tr huy dong

Vdn huy dong ln nhlne si6 td ti6n te md mot ngar hiLng huy dong tuqc cuac6c t6 chtc cA nl)an tong xa hoi th6ng qud qu, trirh thuc hien c6c nghiep w tinduns, thoh loiin c6c nghiep vu kinh doann khdc dwc dnng hm v6n d€ kinh doaih

Ld tdi s{n ftu6c c6c chi sd hitu kliic n}au quy fin d\ng cht c6 quy}n st dlngihhg kh6ng c6 quyan sO htu va c6 tdch nnien hodn tra d(ng h?n ca g6c va hi kliddn k' hd hoic khi hq cd nhu cdu nil viin Viin huy dong tt6ng vai trd qud lrangtiong hoqt long cna quy lin d{ng V6n huy dong bao g6m:

r.r.J.r.r.rEn gu cur xractr nrug

1.1.3.2.1.1 Ti6! gii kh6ry kt hab: La loai lien di ma ngudi siri c6 Uf nit

ra st duns b6t ct lric ndo vd qut tin dung thai th6a nan yCD ciu d6 qla klrch hAng.Tian gti khons ki hen thums c6 mtc hi sult thdp vA bao gdm hai loei sau:

* Tian gni thsDh tonr: ld cdc khoAn fan gti kh6ng k' h?r ldrc h& duqcsri dlng da tiii henh chi t cho c6c hoqt dons hnng h6a, dich qr vA cic knodn chikl6c ph6t sinh lrong qud tdnh ho dong sar sit kinh dodh mot c&h thudngxuy€D, m toan va thuln nen D6i vdi Cn grli rhanh rodn vicc n1t fien hoic chi tr6cho ben $f ba $vdng duoc $uc hien bing sdc hay chu) in $oe KMch harg mdtni khoan thann toan nhim muc dich st d{ns dE dens thDan den ddns v6n khi cin.Dmg tren g6c dO qu, iln dung, tian gni thanh lodn ln mot khoan ng mn quy 1itrdlng lu6n phai cht dong trd cho kh6ch hdng vdo bit qi lic ndo Tuy nhien d m6ingtu hing do kl6ng c6 sv khdp nli! gita xuit va nll6p r.Cn m6i rAi thoAn dan gtithnl torn cia kn6ch hing gila c6c tdi khodn cna c6c khdch hAng lam cho Dha! ldnhdn xuft tao nen tdn khod! mn ngan hang duqc phdp st dlng mot lhin hm v6n

I Tiitr sti khbtrs kt b?tr rbuitr rriy: La knorn rian {hrqc hi sti vdi mucdich atr toin |ai san $dng mflg rinl phuc w rhann rodn Kni cin Hrdch hdng otftd d6D ng6n hang n1t iian ra da chi lra Cnng gi,tng nhu trLrimg hgp tdn, qui titr4ng phAi ll)da man nhnng y€u ciu cna khdch hnng kli ha c6 nhu ciu nit tia'n vd chidugc phep st dvng rbtr khoan khi iam bdo kla ndng thdh to6n chi lrn

a\a{D: Nsuygn rhi nHh rhtrt

1.13.2.1,2.Ti.r gni c6 kt h4n

La Ioii tian gti c6 sq thda thuin rrudc va fi.li gim ft dln 8i[a ngudi eni

B0 lhan nsu6n rian sni ney c6 nsudn g6c tt tich lDy vd xdt va ban chdr

chnng duqc ki thdc v'ti muc dlch c6 huong lai TI6ng rhudng tia! efi c6 kt h?n ldciic khoan tian gtic6 ki hen ddi vn c6 laisurit cao Lo4i tiAn gnic6 ki hql nay gi0vai t$ lnng gid gitra tian grii thanh 1o{n vi rian gui ti6t ki9m DAy lA trguAn tianlrone d6i 6n dinh, qDt 1in dung c6 $a srt dung phih I6n vdo hoet rtong kinh doanh

1.13.2.2,Ti4r gti ti6t kiem

Ld mol phin thu nh6p qu6c dan qh c6 nh6n va nguli le dong chm st dugcho 1i€u ditrg Ha gti vno qut rin 4rDs vdi nqc dlch rich Iny dan mot c&h d rodn

vA hvoDs mOt phi' tai tt s6 fan d6 Tian srri tA ki€m h mor d3ns d|c bifl dd fich lny d]n tO trong linh wc tieu dnng c6 nlan.

r Ti.[ gti !i6t kifn kh6hg ki hsn: La khoAn iiln gti md nguli gti c6 $dilt ra b6t d lnc ndo song b6ng dusc si dlDg crc cong cq thanh toin di chi iie cho

Tluc chft day ln kloan d€n sti fA kiem th6ns rhudns D6i vdi khoan dijnnay nguOi griri c6 the rut ra bat d llc ndo kh6ng lhai bdo trudc Tuy nIiCtr sii du Aikhoatr nny thulns kh6ng ldn nlhs c6 uu diem hsn so vdi c6c khorn t'.n sti giaodich kh6c t ch6 s6 du tray it bian d6ng chinh vi viy trcns kinh doanh cdc quy tindrng lhudng phAi tr, Iti sudr cao hm $ viri rai $oin Lian gri Lhann rorn DO Rdilu kiCn de cac qut rin drne c6 llle dE dans huy donc s6 v6n ndy

I Tian sni ti6t KCn c6 ky batr: Ld klodn dan sui c6 s\r rh6a thuon va ftdigie gii va rit tian, c6 mlc tai suit cao nd so vdi iian gtikh6ng ki han Tian gtiti6t kiim c6 k' hm g6m c6:

Tih grfti ti6t kien c6 t<t h3n ositr hetr: h loai rian gti d6t ki€m c6 k' hand'rdi 12 thdng

Lo4i tian grni nAy knA quen thuoc d ViCt Nam, c6c Ngan heng ftulng huydons ti4t kiem voi thi,i h?I nsin( tt 3 th6!g diin I nam) vi nsuyCn dc d6 gui vao

Ei khoen ney ki{ch hnng kh6ns duqc rtt m tr} khi la d6n han rit dCn Sons daldng $ic c?nh tianh t.ong thu h6! dan gti, th{c ta cac qut tin dung vln cho phdp

avID: Neuyan Tni Tnaoh Ttui

khdch hdng it daD tudc hen Tur nhitu da ftiiDt viec thuyEn klich k}6ch hang dtti6n trdc hen thi mot phln tonS liaD Ei md khdch hdng rtdqc humg bi kl)lu tut(c6the lA ngan harg kl6ng chi! nhan bi lai chi mot sii rh6ng dLo td ho{c cnng qt th6kl'rch hidg chi duqc humg mot mtc lei suat tion gui kh6ng kt hd cho khoiogthli gim th6ch bdne gni tian).

Ti6! gti i6r ki€n c6 ki betr dAi t4n: h lodi iian eni ti6r kien c6 kt han tri

12 lhdng trd l6n Lo4i fiad gni ndy dl ph6 bien d d6r sii nuOc cOng nghiop nhin

Ou h'ft tian nlan.6i imnS thdi gian ddi So vsi cac bsi hinn ti6t kiem khdc d6i vdi

$odn an sti n4 bir cn li( nlo nsudi s( !Dg co rhi gui rien veo qui Un dunsvdi s6 luqng kh6ng h?n cha hg chi iuqc nll E kli dan hd Day Id toni hinl lidrki9m mA crc qut rin dltng da tan dung nhim tao oic ngu6n v6n c6 tinh 6n dinh €qphltc qr cho hoat dong cti! tin dlDg cna minh

D6i vdi qut tln dqog nhaD dA! co sO: duqc huy long riar gni cna $anhvi€n, ctc t0 chtc cA nha, trong v) ngodi dia bm ho?t dong cna minh va c6 $6chnhiim hofl Lrd du8 han cd rOn 6n laicho ngudigri' ricn

cac qut tin d{ng co sd thuang huy dong ciic lo?i tien gti ti€lkiCm kh6ng ktl-4n ho{c a ki h$ ng; ddp ng nhu c;u eti Liin LnJ 6' ca cdc loqi kl6ch hAnB.Vdi ndi loai tian gti, qui lir dlng dt dunS not mtc hi suil tumg tng V neuyen

lic l6i suft tiiln sni dal kien khons ki her rhit hm Ei sudt rian gui tiat Kem c6 kt

h?n, 1i€n gti t6t kiem c6 ki h4n c}dg dai 1hi lii su6t cdng @o Tuy nhi€n vi& huydong iiCn gti fet kiem c6 ki han dei c}n phu truOc vao lhicu yiiu t6 rong dO c6 9ll6D diDn cia ien tC, cna si6 cd cho vay c6 duqc cho lhep cia cdc dinh cha do Nganhang Nha nudc quy dinh rong trt'ng thdi kj

1.1.3.3 V6n ili vay

LiL ngu6n v6n dugc hinn rhdnh tn quan hC vay v,5n giila qui tin drng vfingan hAng nla nudc ho{c vay cna cdc.gan hdng t6 chfrc tin dlng tni chinl vn cdct0 ch'tc kh6c v6n di vay 8in vi tri quo rrang lrong ho4i dong cna qui tin d{ngkhOng chi vd mll quy mO don thuin mn chn yiD nang i nghia nhu la not bien phdpquan ly cec m+c tdi sdn nq Qut tin dmg c6 thd di vay tt nhiau ngu6n thrc nldu:

* Qut iin dung co sd cd the vay v6n cta qut lin dug trog uong, vay ctac6c ngan hdng t6 chic tln dmg Oi chinh khdc Trong itudng hqp cin lJ|iar nau gap

€vHD Nsuyenrhrrh h rhut

I(hO kl n va tai chlnh qui UD dwg co sd cbn duc'c vay v6n cna qut tin durg co sdldec khi duqc ngan hAng nld nudc cho phdp.

' Qut rin dung 1run8.u6g c6 the vay von qiLa c6c t6 chtc tin dqdg- inichhh, t6 chr(rc kl6c ten th!trudng dan lC trong nu6c, vay cta c{c td chtc lin d{ngnuoc ngoai llleo quy dinh cna ngAn hang nhd nudc vay ola ngen hdng dd nutcdu6i hinh tbic t6i clp v6n

Ngu6n v6n rey c6 linh chit khdng 6n diDll tr6 ot su hudng lang hay Siamphu thuoc vao kl)A ning huy dong vdn fien g,h, phqm quy nd rong quy mO honrd0tr9, uy tin ve khA ning hoan rA da khdch hiog vay v6n

r.1.3.4, Cic loti v6! vA qri k}nc

v6n |ai tq cta nlA nudc, cia c6c t6 chrh n nh6n lrcng vn ngoei nu6c

VOn dich vq ny th6c ciLa cdc 16 chlc dc an lrcng vn ngoai nudc

V6n binh thdoi trcng dich i,ll 6anh lotu, viin phdr sinn d! Igtiep 4 dai Ittliu chi h0 khdch hdng dich n! sit hO t&n gili

C6c qut nlr qu9 klen $rudns, qu9 lhnc lqi, quy dv phdns trq cdp nft viic

Tlons chian luqc phdt trian kinh ni xa hoi, v6n rii trq v6n ut iMo diu hrcta Nld nud'c, cna cdc 16 chfc, c6 rlan t ong nudc ngoai phuc !u fnh lTc kinn t6nons ndiep- n6ng thon ld nsudn lu6n dvqc q@ tam Kli duqc nsan hnns trldnu6o cho phdp, qut dn dlng c6 ihe duqc g9i v6n rt cdc tO chtc, c6 nhan trcng nudc

vd trudc trsoni dC dAu hJ c5c mlc dlch nhdr dinh hoac duqc nlei v6n Ai W da cung(tng cho thdnh vitu.

V6n hlnh thdnh tt dich vu thanh lodn, viin lhat sinh ri ngliep vs dai li, dichi,r! thu chi hO kh6ch hnng, gi0 hO, tqn 8in duqc hlnh thdnh tn ho?r dong nghiep

C6c quy: qut klten thuong qut lhic lqi duqc trich lip tt lqi nhuin ronghang nlm lheo nghi quy€r cna dai hoi thdnn vion va hudng dAn cna bO rai cninh, oraNgen hing NhA trudc, qlt du phdng W cap mAt viec bm duqc t ich tir chi pht

GVHD: Nguyan Thi Thrn Txui

t.1.4 BiCr pb6p rlrg culng queo li v6D buy doDg trodg host itory kidor cnr quy ttu dvng

r Da dqry Lo6 bltrh tFrtc huy doDg v6n, dinh nac |ti snAt phuolg tntut.t lli

Qut tin dlng phdi t{o l6p duqc uy tin vdi kMch hdng, m6i lod nan gii c6dtc di€m vn tbh ch{t bi6n dong riene, vi viy ddi h6i qnt tin dung phdi D,Dg dOne

va s6!g tqo tmg viCc 6p dung cAc ht.h lntc huy ttong, dinh mfc |ai sllt vd phuongfincffiEi

Trons viec dinh mtc l{i srA tian gui, tan vay phdi hdt sfrc linh hoqt ddnrbdo mdi q@ he cmg cdu song song cnng phAi phn hqp vdi cs.he thi trudng duqcngudi gni va nsudi vay chdp nh6n

va phums rhric tra hir d6i vdi tan sni d5t kiem th6ns kt hen, qut tin d{Igtlnh vA ud hihdng th6tr8 holc tra hi kld dt todn s,i du tdn tni khoan naD grri D6ivdi tian gti ti6t kiem c6 ty Iren, qui tin d!trg tinh va rrn Ei rheo su thao rhuin vdikh6ch hAng, c6 ft6 hA hi tnrdc hotc tri Bi ctng vdi g6c khi den hqn

r Eoi! fhien ky tbu6t vn oghe tluat kilh dornh

Diau d6 c6 nshra la qut 1in dlns pMi nshien ct! cAi ti6n da don gien ho6thr $q nlt ndn thdi sid luan chuydn chtns O, tlnh l6i vd trn hi don ginn, de ni6u,chinh xdc, siei qDydt nhanh ch6ng viec nh6n tii! va tre tiAn, nin bir vi rhoi man

t6t nhat nhu ci! cia nsuli sui dan.

* Quu ann gido dlc, D6ng cao nnng lW vn tlt ilo.6n b0

Qut tin dqng phdi giAo dltc vA xAy d\rng duqc m01 doi ngn c6r b0 c6 trlnhd0, n[ng lqc chuy€r mtu vd lhong cich I,In viec khoa h9!, chinh x6c c6 hi9u qun

ln dd girip qut tln dtDg c6 ditD kien mO rang I'inI doan} giam rhdp cli lhl hoatdons vn thu bft duqc khdch hang

* TIry cdrg cd se v{t hil ky thuat

Trong hoat dong qDy tln dung cin cht trgng ctng cudng ca sd v{t ohrt |1rhu8t, 6p dung c6ng nghe den ti6n vao ho4t dons nshiep vf

cvrs: Nsny& rli Th'nh ftu,

Tham gia beo hiim liin giii

Thsc hien theo quy dinn cia phdp luat quy 1in dung phai $m gia t6 chrlcbAo hiam tian sni Muc dich ]n 6y duqc niah dn tir nsuiri eni tian dane tlwi bAo ve

lq, ich cho ho Do lic rhdm sia b;o hiEm u;n g(, d b," F,luqc quy;n \i lci ,chhqp phrp cho nsui'i srii tidn l30 dm li an lan cho ngddi c6 riaD gni vdo quy lindung lcn.d sd db e6p phan duy ti su dn {iioh c,l qui tin duns

(ftich tli sdch Nchiep vl qrt tin lahg nhan dan qLJtin 2 cna Nse| hdnE khit ntucviet Nan lai tati lieu Dhh cho ctlc l6p dao tuo cd" bO Qri tin lung hhah da\ HaN,ii- 2447)

1.2 PhuoDg pbdp bgbien cirt

1.2.1 Phuong phip tbu th4p s6li€u

Phumg phrp th;nt ( ,;ns h4'p r\r rhdp s6 li(u rhdng qua !:."c riep xucrhqc Ld ui qut rin dung \d \ET ca\ r\ong rin rin bco dci let hd! vor nhtng El da

\(i li.iu r,nh h,nn hu) d"ne \nn Jua, rhJ rh;p kiphbn8 li roiin

1.2.2 Phmbgphtp phan fch s6 Ueu

1.2.2.1 Phu0ng phAp so sinh

sosdtrh ruyir d6i: lJ r;r quJ cia nreD rrueitd rli:6 cia kj phin rich so !oik' g6c cna cdc chi tieu kinl ta

So setrh tuong t6i: ld ki:1 qua ctu phep chia gind d s6 cna k' phan tich sovdi ki g6c cna cic chi tieukinh tE

1.2.2.2.Phmng phdp il6nh si6 theot6c.l0gia lnng

Qua bing s6lieu v€ tinh hinh dgudd v6n rai qui tin dung ta se d6nh gi6 duqcbi;n dan8 cis nlm \dL 'o \or ndn lruoc b;B nhJne nhln \dr du- lei rhuc r.i

Thong qua bdng phan tich ta dinh gid sq bian dong Long hoql dong huyd6ng v6n cna quy tin dlrns xen x6t 1nc d0 gia ring qu cic nln de xrc dinh xuhu6ng ph6l tiaD cna n6 dOng thoi xdc dinh duoc $ thay d6i trong hoat dong hut

dong v6n.

lei

Dtr ng deu nrrn + Du ng cu6i ntrm

1.2.2.3 Pbudlg Dh6p pbetr ttch l[6ngqua cdc cfi tiou ilArh gin hlen qu,

cn hotl ilQog huy alotrg voo

Tb6ng qua c6c chi ti€u.ta se linh loiin duqc cdc cor s6 cu $6 vn dua.a nh6n

xet va hieu qua cna ho{t done huy lOry v6r cu qut tin dung.

i Chi tieu v6n huy tiOog tr6n t6rg ryu6n v5n

Chl 1i€u nALy lhm 6nh klA nlng huy dong viin cna qui tin dqng nhu !h6 ndo,chi ti€u ndy cdng cao thi cho thliy kha nrng phu thuoc vao ngudn v6n cna td chirclin drng kh6c cang thap

* Chi tiCu v6o hry doos tr€n du nqclo vay

Chi ti€u nny &nh gid hi9u qun cria viec st dung v6n, n€D chi tiCu ndy ldn lhtrhi h'in rinh ch,l dons rone hJJ done v6n cong lac huy ddng v6n crla qut rin drnet6t, ngusc lni chi ti€u ndy nhd thi cbttrs tO viec huy dong viin khong rtuqc 6! tuynhiEn chi lieu ray clns l,i6ng nin qud ldn thua,ng d?r rn 700" - 100q" Ia rdr

* vry v6! t.etr t5bs ngudtr v5n

Chi ti€u nay diinh ei6 mfc rtO ph! thuoc ngudn vijn cna quy rln d{ng vAo v6nvay hay khdng, ndu chi ti€D nAy cao thi chfng td nguan v6n ph! thuoc nhiau vdovOn vay, nguqc hi chi lieu niLy tbAp lhi it !h! thuoc

V = Doanh s6 ftu nq / Du nq bioh q$n

2Chl li€u niy denl) gi6 hieu qut d6.g v6n cho vay cna qui tin dung, vongquay v6n nng cao ihi ho4t dOng tin dung cnns cao

+ 100

avHD Nsu) in Thi rhaon rhli

CHI,IOT{G 2: PHAN TICH TITUC TRANG HIEU QUA COA HOAT DONG HUY EQNG V6N T4I QITT TiN DUNG

NHAN DAN XA LoNG DiIc

2.1 Gidi tlieu va quy titr dgng nhin den xn Loug Dit

2.1J Dic diam tinh hloh ho+t lorg kitrt doarl cit qny th dqDg

2.1.1.r Khti qudt v! quY lln dqtrg

Ten co q@: Qut tid d\ng nnan dan xa Long D'tc

v6n diau li ban diu hoar dons: 140.000000 d6ng

Giiy lh€p ho$ tlong s6: 14l NH'GP do NHNN CN Tinh Tri Vinh crp ngAy8t3t1997

M! s6 rh!& 2100189176

Dia chir 6p Sa Btnh, xa Long Dfc, TPIV, TTv

s,i dien thoai: 0743.846.08?

56 fa* 0743.846.087

Vi tri doi ltr Phia Bic si6p sons c6 chiens

Phia Tay gi6! Hod Thuan

PhraNm SidP Phudtts l.PhudigaPhir Dbng gi6p D?i Ph'Jdc

2.r.r.2 Qu6 trtDb hiDh thnnh vn phtt tri6tr cta qut 1l! dqng

Xa Lons Dtc ln mot xd c6 dons den cu vdi nin Knh t6 chn yeu ld san ntt n6trg nghiop vn chln nu6i, lrudc day xa b ving ven cta thi xa, s\r pMt trian kinl td cna xa cdn stu nhiau kh6 kn.n, mi chn ydu h nsuih viin da sin xuAt kinh domh.

M v6y ;?n cho vay n{ng ldi thudng yen xay ra lam cho ddi s6ng qla ngudi d6n

$n veo cAnh bii tit, ddi siing xa h$i b! $en h6a 16 ret

Trudc tinh htnh d6 chinh quyan dia phuons da nhAn thiy duqc su cAr thi&kni tdnh l6p qui tin d\lng nhan dan hi xa nhiL, d3 ginp cho ngldr {t!n phdt &ianKtrn ta dia phuong Duqc s! thiiDg nhit c'iLa Ut ban nhan dan xa Lotrg Dtu va clinhiinl ngan hdng nhi ntrdc llnh Tra Vitrh, ngay l913/1997 qut rln d!tr8 nlan d6n xdhng Dfc duqc thdnl h!, vOi chi(c nlng vAL nhiem w h huy dong dln grri tt dan

w vn cho vay v6n lhanh vi€n d6 phdt lrian kinh t6 gia dinh Kri m6'i thalh bp quy

avHD: Nguygn Tni Tnoh Tnut

dn dung & gap mot s6 kl|6 khrn nu s6 rhalh vi€n ihd gia cdD it, m6n vay cdnnh6 E, s6 v6n diau E ca'n rhlip, ho4t dong ren rtia bnn nhit, Knh t6 dia pbuns @nkhd kh&, doi ngo nh6n vi€n kinh nghien chm cao .Nhung vdi sv gttp ld cnachlnh quyon dia phumg vA s\r n6 lw cna bm |anh dao, nhAn vi€n qut dn dung daaay dvng phlmg an sin xuAt kinh doanh lht hqp t& luqc uy tin d6i vdi mai rineldp kh6ch hnng Hien nay sau 13 ndm di vno hoat dong quy tin d$ng dft den xdLonE Otc da thdl slt lA noi ddng rin cAJ di 8rn rian vA vay !6n cna ciic rhinl viCntr€n dia bar Va tuqc ddnl gi6 ld t6 ch'ic hoet dong kinh doanh c6 hieu qud cao g6pphar qua tlang tong sU ph6t tian kinll td xd nhd.

Hien nay, dia batr ho4t dong crta qui fin d{ng da mt rong & 8 x6 phrdng: xaLong Dfc, xa Hda Thuan xa Dei Phudq aA Nguyct H'56, Phudngl, Ph$ng 2,Phudng 4, Phudng 7

2.1.1.3 CIfc nnnS ohiemvll,quyab ldcnaquittu drrry

Clnc ltog cnr qut tln dltry:

Qu9 tin dune nho ddo rl Long Dtc h lo?i hhn kinh d hqp r6c xd, do cdcthanh vier tu nsuyen g6p v6n h! ra va ho4t dong trong linh wc tiatr 4, tln dl'Jns

nlitn muc dicn rums tq, ho diau kien lhyc hien c6 hieu qua t6t trong hoat dotrs

san xuAt kinh doadr dich la vd cAi 0rien ddi s6ng cna cdc thdnh vier, 96! phln

!bd! tri€n kinh t6 xa nla

Noi duns }oet donsr Huy dons tien gni nhn r6i cna cdc thanh viCn, cho vayngin hqr phuc vu srn xuAt nons nghiep, ti6u ihrr c6ng nghiOp vn c6c dich qr khac

NliFn vu cnr qui lh dqtrs:

TltUc hien nghia q! Ai chlnl th€o quy dinh cna phdp bAt

Nop thue fteo quy dinh cna phdp luat

Hoal dong theo giiy phd! duqc crp, chdp hAnh c6c quy dinh va tin dung, tien

te, ldi chiDh

Th{c hi€n crc che dO k6 !odn- t6ns hqp rheo ch€ dO ke totu nhn nudc.

Chiu tr6ch nhien trcn cdc khoan fian gni f.tr vay vn cdc khoan ns kh{c 6jng

ky hetr vd chiu rdch ihiem bing todn bO s6 viin va tai srn cna qut tin dqng

ftuc hien hqp d6ns lao dons va bro dnm quyen lqi cta c{c thdnh vien

ovHD: Nsuygn rl! rt,nh rhut

Sodd2.rr sdd6

GVHD: Nsuyei rrli rtob rtut

Quyfu h$l ctu qlt tln d+ng:

Quyen ts quyct lrcng viec cho vay

Huy dong v6n, cho vay v(in vn thqc hion c6c dich v! ngen hans kh6c th@giry !hd! hoa( dOng

C6 quyan y6u ciu nsut'i vay cmg cd! cdc Ai li6u Ai chid va phu@g dn snnxudt kinl dor.h c6 lien quan

Duqc quyan k6t nip thanh viOn mdi va giAi quydt hA rhe cho fDlh vietr kli

QuyAn $ quyAr trong viec phan chia lqi nluan, xt l, ctrc kloAn 16 tho quydinh coa !h{p luil.

Quyar tt chiii c6c ycu ciu cta tii chtc c6 nndn rdi voi quy dinh ph6p lu4t.EvEa quyotr tuyen lao don& ihvc hien c6c hinn thic t|A lu@9, kher th$ngth€o quy ditrh c'ra b0 luAt bo d6ng

2.Lr.4 T6 ch'lc bO nry cna qri lin dqrg

2.1.1.4.1 T6 clic bi6n cb6DharsS

Hoi d6ns quan tri: sdm 5 6dnh vien

Ban kCm so6t gdm 3 thdnh vi€n

Bo dieu hdnh: g6m 8 nhAn vien

2.r.1.a.2 sodd cdciu t6 cb'lc queb It

Dei hoi c6 d6ns

c d c i u t i c h ' l c q u , n l Y

2.1.1.s Chn ntDg bbiGtu !'.r cnr tnng bO phin

HOi dddg qutu tri: ldL co qum quAn li c6 quyan vd tntch nliem cao nlll t4iqut tin dung

HOi ddng qudn tri hqp n{t hang $6ng th6ng qu c6c vln da li€n quan daD

Chn tich hOi lOng qudn lri la nguoi c6 mlt thudng xuyen tai qut, thay mith6i.tatrg qudn 1ri giai quy6t c6c kln da lien quh rdi qut nhu fieu tep, chn lri cdccuoc hqp Phan c6rg theo ddi gi6m s61c6ng viec diau henh c[a gi6n diic, kt cdcvdn bd! thuic $Am quyen cta boi d6ng qDrn td-

BaD ki6m sodt: La ca quan kiam soft vn kiam ha moi hont dong cria quy tin

Nliem !u va quyan hen cna ban ki€n soAl Id ki6n tra gidm s6t c6c mat hoetdong cna qut lin d!D& viQc chap hdnh dieu lC, noi quy cta crc thenh vien

Tiap nhan vd gini quydt c6c klidu nai t6 cao c6 lied $rn

Xem x6t toan b0 h0 lhong tALi chlnh k€ brn, gitun rlinl c6c chlmg lil ke to{nndu phdt hien c6 sai s6t thi lhri cO bien ph6p xt li kip thdi

Ban gi{n d6c:

Gi6m il6c: C6 Dhiem v! di€u henn todn b0 c6c hod dong cna qut 1in d!ng,qutu It va c6c mit nhen s\r tii chinh, ciic chinl sdch tlinh hudng phdt tri6n cta quy

Chiu trdch Dhiom v0 quyel dinn crh nl.h trufc lhrp luAt, budc hoi d6ng

Ph6 si6m d5c: Tham mn da xuit cdc chian luqc, diil hu&rg !h* tiannh*n mog lei hieu qua kinh doanh cho qu9 tln dung

C6 quya! quy6t dinh c6c c6ng viec do giln d6c chi dao ph6n cong

Chiu trAch nhiCm v€ quyai dinh cta ninh truOc gidm d6c trudc ph6p luAt

'Ilrw hien c6ng t6c b6o c6o r6ng hq! luu git chtng & va hoqt dong 1ai chinh

rhyc hien viec chi trd llns, c6c khoan phu cAp vd c5c cl# dO kndc cho cdc

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da tdrh l€n gidm d6c x€t duyet cho vay

Di thA'n dlnh, ki6n lra vn chiu lr6ch nhigm va b6o c"6o rhAm dinh cno rnnh.C6 l'ech nhiQm theo dOi lrudc, trong, sau khi cho vay, c6 nhien w nhic nndthu hoi nq khi dan h@

chiu hodn lonn ftoh nhie'n tnrfc bm si6m d6c va nhtns hd ss vay v6n trendia bin qudtr li cta mbh

B0 pltn kto quir c6 nhiem 4! thu chi ten khi c6 chirng tir hqp l€ !d c6y€u Au l6p qut nhiem chi d6 Eo d6i vd d6i chi6u l?i vdi ka todn Luory nhimph6t hien ki! thli nhlrnS sai xfi de sta chita

duqc dlrl4i tuy.I dudng Biao rh6ngchlnh vdo l ng 15n thanh ph6 Uuin lqi cho

rmg 17

2.1.1.6 Nhtng ahuin lqi vA kh6 kbID

r Th!fu lqi: Ta sd cna qui tin dlng

B0 mAy t6 chtc linh hoar,

iita kh6ch henS vA qut

i€n nhiel tinrr, f i tvc hi sd

nld[ gan lhu htt duqc nhiCu khdc

thdi giu hoet dong Iau dai qo duqc uy tln vA niem tin cho khAch hang, tnd6 v6n huy dong tnns, dn khd nans ddp rtns nhu ciu st dlrg v6n oia qut lin 4'ngEuqc s\t quan tern ginp dd cia chitrh quyan dia phumg vA Nger hdng Nhn nuto ctinldnn nn Td Vini, rl dO dua qui rin dulg r.d di vao ho4t datrg 6tr did vd cd hieu

* Kb6 khntrr Hont dong cho vay cht y6u cna qut lhudng h nhtng thdnhvi€n d vtug n6ng thon, trinh d0 vd ndng luc san xuel kinh doanh cdn kdm, t c dongxru cna thiCn nhien trCiy carg cao, 8i6 ci thi trudns nsdy cdrs tnns, dAn l6i kha

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CVHD: Nslyao Tti Tta1n ntut